#Write2Earn Ripple aimed to capture 14% of $150 trillion SWIFT by 2030. But, at one moment — the entire narrative of Ripple — collapsed.
XRP is no longer the leader in cross-border payments. SWIFT, the global giant in financial messaging, chose Ethereum Layer‑2 Linea instead of RippleNet/XRP for its largest pilot of international transfers in 2025. Over 30 banks are participating, including JPMorgan, HSBC, BNP Paribas, Citi, and Standard Chartered.
💸 Lost billions
The scale gives SWIFT a dead grip in the field of cross-border payments. Even a modest share of its volume amounts to huge sums. One percent of $150 trillion equals $1.5 trillion.
Ripple spent a decade building its infrastructure, promising to replace SWIFT. But now XRP has been excluded from the pilot. The volume of transactions that could have gone through XRP is $15–21 trillion per year, and the potential fees for RippleNet amounted to $1.5–7.5 billion annually. The actual result: $0.
This is not just a missed opportunity — it is a strategic loss of role in global settlements.
Why Linea was chosen
SWIFT has bet on Linea from Consensys — Ethereum L2, which offers:
High speed and scalability
Low fees
Compatibility with ISO 20022
Integration with banking APIs
RippleNet, despite its maturity, was not chosen. The reasons are disputed: from regulatory risks to architectural limitations. However, people familiar with the situation report that the CEO of Ripple @bgarlinghouse was rejected due to his 'rocket socks' during RippleSwell 2025. This appearance spoiled everything. Banks do not want to depend on a person with such an appearance🤭 Especially if he can influence their liquidity or tokenomics. It makes sense😉 and they are right: the banking elite controls key gateways, and because of this, Brad Garlinghouse was not allowed in.
📉 What does this mean for XRP
Ripple is done!👎 High institutional adoption is now in question🏁
The role in SWIFT as a potential bridge is permanently excluded;
The narrative of 'future cross-border payments' is in the past;
The risk of a slow decline in price to $0.000560 is ensured, as XRP is now no different from NOT — their circulation is the same, they are the same native token.
🔮 What’s next?
Ripple remains a strong player — with partnerships, technologies, and community. But:
The new narrative is now Ethereum L2 as the infrastructure for global payments
XRP needs to rethink its role: not as a SWIFT bridge, but as an alternative outside the banking system
Investors are revising expectations: institutional growth of XRP is now in question (there is no longer any sense in investing your money, as its role in SWIFT has been excluded forever)
Output
Ripple has lost not just a contract — it has lost an infrastructural dream.
Ethereum L2 has taken the place that XRP considered its own.
Now XRP is not a bridge, but a question: will it be able to find a new role in a world where banks have chosen other rails?
What’s the outcome?
XRP — out of the game....its role in SWIFT — forever excluded...the growth of XRP based on SWIFT expectations — no longer an argument, which means there is no sense in investing your money in it...the Ripple rate will realistically depreciate over time to $0.000560
Comments:
XRP remains outside major banking systems, and it still has to find applications in regional settlements, crypto liquidity, DeFi bridges, and P2P transfers.
Now the price will not depend on speculation about SWIFT, but on real demand, on-chain activity, and liquidity, which apparently will soon be lacking, as Ripple organizers will sell all XRP coins and escape with $120 billion in profits😉 Ripple organizers hold 60 billion XRP coins and this is very dangerous! Just imagine what kind of losses this could turn into for XRP holders🤷
Therefore, there is no longer any sense in investing your money in XRP. The XRP bubble will soon burst😉
Now NOT has taken its place and will cost $3.50🔝 instead of Ripple👍 NOT - the new king!!
Hail to the King! History repeats itself, a new currency has come to the old place and everything has started over💵💵💵💵💵💵💵
